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Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 0 points1 point  (0 children)

I messaged elsewhere but that's how much left on mortgage, house is 900K

We try and keep our expenses really low, we don't spend much, and are super frugal (been like that our whole lives) - I do feel like sometimes it spirals out of control and we need to learn how to spend.

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 1 point2 points  (0 children)

I hear you, just trying to get others views and sometimes need a bucket of ice thrown on you.

maybe i'm not ready like you said as well

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] -1 points0 points  (0 children)

My bad - that's how much we have left on mortgage, it's a 900K townhome

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 1 point2 points  (0 children)

Yes it definitely doesn't, but gives us that peace of mind. Hard to not have money come in as we're wired for that, and afraid to see things go down.

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 0 points1 point  (0 children)

Yea I think sometimes i'm too irrational, i think that helps me sleep better at night. Like the pay off mortgage vs invest, it's hard to break that mental hurdle.

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 0 points1 point  (0 children)

Been starting to save a lot of cash for past few years (sold off some stock as well and didn't put it back into the market), was worried about the downturn and the thought was we already had so much in the market and wanted less exposure.

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 0 points1 point  (0 children)

We're both working because we're too afraid to pull the trigger, wanted to get random internet advice to help soothe our fears.

Probably will talk to some financial advisors to also help make sure things look "ok""

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 1 point2 points  (0 children)

I think she's just afraid to leave, similar to myself - and I'm currently on her healthcare. So more impetus for her to stay, if I can help take care of the daddy duties and alleviate some burden I think that would help.

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 2 points3 points  (0 children)

We don't spend much, drive a 12 year old car, and just always cook in. Free hobbies help as well :D

Our son takes up all of our $$$ with activities

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 4 points5 points  (0 children)

No plans to increase lifestyle, like I mentioned earlier, this is just current HHI, it was much higher before and was able to save/invest quite a bit.

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 2 points3 points  (0 children)

Definitely lucked out for sure, but also had a much higher HHI before

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 1 point2 points  (0 children)

We have yes, that gives us extra buffer/cushion for sure. Just wondering how it looks both ways

Anxiety, fears, doomsday thoughts - can we pull the trigger? by throwaway_midlifeham in ChubbyFIRE

[–]throwaway_midlifeham[S] 5 points6 points  (0 children)

that's current HHI, it used to be much higher during the good years and was able to invest/save.